Ukuthola: amazinga amabhange. Izibalo ngosizo amakhadi epulasitiki

Ukuthola - is amakhadi yasebhange ukukhokhela izimpahla. Ukuze unikeze isevisi, ibhange awumisa amanethiwekhi commercial ezikhumulweni. Eminyakeni yamuva, ngaphezu imishini esezingeni, ukuthandwa yazuza aphathwayo terminals mobile, ukuvumela ukwenza izinkokhelo ngaphandle ebhekisela endaweni indawo ehhovisi. Iyiphi idivayisi kuyinto engcono okufanele uwukhethe nokuthi ukwenza kusebenze isevisi, funda ku.

inhliziyo

Ukusebenzisa isevisi, kubalulekile ukuphothula isivumelwano olutholayo. Kuzobakhuthaza lelipelwe imigomo yesevisi, usayizi walo myalo, isikhathi imali, nokunye. D. Ukufakwa kanye uxhumano kwemishini, ukuqeqeshwa kwabasebenzi kumahhala. Ezinye amabhange ukunikela ukuthatha sokuqasha esigungwini. Le sevisi ivumela esidayisa ukwandisa isibalo amakhasimende, imali kwezimali, ukunciphisa izingozi yemali engukheshe ekhokhiwe kanti izindleko iqoqo (ngesivinini). Ngokwezibalo, ukusetshenziswa imishini ivumela amabhange ukuheha 20-30% amaklayenti.

izimfanelo

Ukwamukelwa amakhadi amasevisi yokukhokha eRussia isibe kumele yezitolo namabhizinisi. Esikhathini esingeside ngaphambili, umthetho waphasiswa, owawuthi inhlangano akuthathi plastic, bahlawuliswa ngokwephula ayizinkulungwane 30-50. ruble ngowezi-2015. Inkokhelo Ithola budonsa izivakashi ngaphezulu (ikakhulukazi izivakashi).

Ayanda inani isheke, ayanda amathuba ukuthi ikhasimende akanayo imali eyanele ukukhokhela. Esikhathini ingxenye zokudlela nezitolo abanesibalo ekuzuzeni ezikhulayo. Kuphela ngesikhathi 2015 inani zokukhokhelwa amakhadi epulasitiki kunyuke ngo-18%.

Ubani kubonakala ekuzuzeni?

"Alfa-Bank" kanye nezinye izikhungo abolekise ukhonte amakhasimende amasha kanye okhona. Ukuba khona akhawunti akuyona isimo kubalulekile. Vele amakhasimende amasha kuyodingeka amadokhumenti ngaphezulu ukusayinda isivumelwano.

ukukhetha ikhadi

Isethi ubuncane kuhlanganisa amakhadi Visa kanye MasterCard. Uma inethiwekhi ukuhweba igxile kwamakhasimende kusuka ejensi kahulumeni, futhi kufanele ixhunywe nge Visa Electron, Maestro Izilwanyane azivumekile, MasterCard of Electronic. Kodwa Diners Club, American Express, kanye Gold nePlatinum amakhadi amabhange udaba kuphela amaklayenti mkhulu kakhulu.

Imigomo imbuyiselo - kwezinsuku ezingu-1-3. Uma inhlangano ivule i-akhawunti enegama acquirer, imisebenzi inani, net omyalo uyasho ngosuku olulandelayo. Uma isevisi eyinhloko esiqhutshwa enye inhlangano, khona-ke izinkokhelo interbank kuthatha omunye izinsuku ezintathu. Ezinye izikhungo zezimali balinde isinxephezelo ngokugcwele kusukela ohlelweni bese enze lo msebenzi wokuhumusha. Khona-ke imigomo zinwetshwe ezintathu - izinsuku ezinhlanu. Uma ungakwazi noma ungazimisele ukulinda, ungakwazi oda ukukhokhiswa okungaphezulu kokufanele zokucubungula inkokhelo Esiphuthumayo.

Commission

Amaholo esibaliwe iphesenti Inani lokuthenga. Usayizi isethelwe inethiwekhi ngalinye ngokuhlukile futhi kuncike ezicini ezilandelayo: .. Sphere womsebenzi, isilinganiso inzuzo inkathi umsebenzi emakethe, uhlobo zokuxhumana futhi lizuza ngakho Commission kubuye sincike abaxhumanisi. Ngokucabangela wathola nephesenti elithile (ngokuvamile 1.1%) idluliselwe ohlelweni lokukhokha, enye ingxenye - ebhange elikhiphe. Ngenxa mncintiswano okusezingeni eliphezulu e amazinga amabhange ekuzuzeni 'ngokwesilinganiso isukela phakathi 1.5-4% semali kuthengiselana.

I emikhulu kokuhlinzwa, kancane imali service. Ukuze amakhasimende kanye inzuzo ongaphakeme ungase unikezwe imali nyangazonke for ukusetshenziswa kudivayisi. Okusemqoka futhi indlela yokudlulisa ulwazi (uku-inthanethi noma ngocingo).

ubuchwepheshe

Indlela usethe ekuzuzeni? "Alfa-Bank" noma kwesinye isikhungo credit emva ukusayinwa inkontileka nenkampani iklayenti inikeza imishini ekhethekile nesofthiwe. Kuze kube manje, sebenzisa pos-ezikhumulweni (Point Of Sale - «-Point of Sale"). Le divayisi ofunda ulwazi kusuka ekhadini futhi baxhumana ebhange. Terminals kukhona ezivamile futhi wireless. Lesi sakamuva maningi efanelekayo oweta basebenza ukuthutha izimpondo. Amadivayisi ukufunda tape kazibuthe kanye chips.

Ulwazi yasebhange angadluliselwa ngokusebenzisa:

• yokudayela - ke ushibhile, kodwa uxhumano kuthatha imizuzu embalwa;
• GSM, GPRS - isidingo inthanethi;
• I-Ethernet, i-Wi-Fi - impendulo esheshayo.

Kanye uhlinzeke amathuluzi ngoba amabhange ukuqhuba kwabasebenzi coaching, etshela abasebenzi indlela yokusebenzisa idivayisi iphinde ukukhansela izinkokhelo. Futhi unikezwe okokufundisa okusheshayo ekusetheni kudivayisi uma kunesidingo. Nansi indlela yokuzuza.

yamanani amabhange

Ukuze nokuxhuma ukumisa imishini third-party kungenziwa olunikezwa Commission. Okuhle ngokusebenzisa imishini yasebhange wukuthi uma zokugwema noma esikhundleni agqoke mahhala. Kumelwe acabangele ngaphambi kokuba wenze out olutholayo. Izimali amabhange ukunikeza "imibundu" zokukhokhelwa card. Isibonelo, uma inani ukuthengiselana ngenyanga esingaphansi ayizinkulungwane 50. Hlikihla., Kungenziwa ngaphezu kwalokho wanakekela Commission ngesimo inhlawulo noma akhawunti yesondlo izimali.

Yenza kusebenze isevisi. Kodwa ngaphambi kokusayina inkontileka yokuzuza, kudingeka utadishe ngokucophelela iziphakamiso kwamabhange. Uma ukhetha isikhungo udinga ukuba banake lokho amakhadi abalisebenzisayo, ubukhulu walo myalo, imigomo ukudluliswa kweemali nezinye izimo.

Cabanga ngalokho amazinga ahlinzekwa nizuza Sberbank. Kuye ngevolumu ngenzuzo lisuselwa amabalazwe, ikhomishana ingahluka ku ezahlukene 0.5-2.2% semali. Izinga yokugibela izindleko amanani imishini ukuze ayizinkulungwane 1.7-2.2. Hlikihla. ngenyanga. Emva ukugcwalisa isofthiwe Isicelo ingalandwa kusuka kusayithi. Sberbank futhi inikeza amakhasimende ayo ikhono ukuxhuma kwi-Inthanethi-ekuzuzeni kuzimo ngabanye. Ukuze ukuqaliswa amasistimu wokuphathwa kokuqukethwe etholakalayo, kukhona izixazululo eziningana ngomumo eyenziwe.

izinkokhelo Online

Inthanethi ekuzuzeni - lokumamukela amakhadi asebhange ukukhokha nge-Internet. Ukuhlinzeka ngemisebenzi credit izikhungo nokucubungula izikhungo usebenzisa esibonakalayo ekhethekile eyenza abanikazi bamakhadi ukwenza izinkokhelo emasayithini. Umehluko kusukela esezingeni le sevisi kuphela ukuthi idatha akuyona isifundi sekhadi esingu efundekayo, ngangena ngeSango yomkhokhi ifomu ekhethekile.

mobile ekuzuzeni

Savings Bank kanye nezinye izikhungo abolekise ezweni hhayi kudala baqala ukusebenzisa engenantambo mPOS-ezikhumulweni. E-West, le njongo isikhathi eside kukhona Square, PayPal, iZettle. zazingekho analogue eRussia: 2Can, LifePay. Lezi amadivayisi zenzelwe osomabhizinisi, ekhululiwe imali amarejista. Bafunda idatha kusuka ekhadini, ukudlulisa ukuba uhlelo lokusebenza ku-smartphone yakho, ithebhulethi. Izikhungo ucela imali, udonsa yokukhokha kanye ithumela idatha ebhange.

Ukuze uxhume ku-"VTB" Ithola mPOS-ngokusebenzisa ukugcina, kudingeka anikeze ubufakazi bokukhula TIN, BIN, umqondisi passport, inkontileka ukuvula i-akhawunti, umphathi isithombe bese ulinda izinsukwana. Ukuze inkonzo unit ngayinye kuwufanele ebhange ezithile. Ngo acquirer 2Can kukhona "Russian Standard" futhi "Ukuvula". "Prombiznesbank" nge "Express-iVolga" futhi "Gazenergobank" inkonzo LifePay. "PrivatBank 'ubelokhu iPay," Alfa-Bank "- Khokha-Me, futhi" I-Messenger "- SumUp.

Ingabe mobile ezibizayo olutholayo. Izimali amabhange ngokwesilinganiso 2.5-5% ngakunye. Ngo inani izinkokhelo futhi inani embundwini minimum futhi esiphezulu isethwe. Kulesi sibalo ngokuyiko kwezinhlelo kufanele inake yokuthi kunomthelela ekuzuzeni amakhasimende by 20-30%. Ukuze izindleko ukulungisiswa ngokugcwele.

Kanjani ukuba wenze isinqumo?

Ukuthola izitolo kudingekile, amahhovisi yokuthengisa, nezindawo lokukhokha iphuzu. Ikakhulukazi amanethiwekhi ngenombolo enkulu amabhange wazakhela ikhambi eliphelele - uhlelo, ukuqaliswa lapho ukuhlanganiswa imishini Pos. amasevisi Delivery, okuyinto ukwamukela inkokhelo hhayi kuphela, kodwa futhi ukunikeza isheke, kubalulekile ukuxhuma hybrid pos-ezikhumulweni. Uma mali incane, abantu ngemali ukheshi ngezithunywa. Ucingo ekuzuzeni ekahle wabathengi umshwalense abadinga ukwamukela ukukhokhelwa ngesheke ngenhla avareji. Kwenqwaba abasebenzisi mPOS-ezikhumulweni - a PI kanye nezinkampani ogama imisebenzi zixhumene ne yokwamukela izinkokhelo engafanele kulo mkhakha: izitolo inthanethi, amasevisi taxi namabhizinisi yizimpahla, e-ekhaya, ezifuywayo, wezokwelapha kanye namanye amasevisi.